A flexible credit line for growing businesses. No personal guarantee like a bank, and non-dilutive: no equity, no warrants.
You operate within the EU or UK.
You are a growth-focused SME (B2B or B2C).
You have predictable revenue streams based on recurring buying behavior.
You're past the early stage with a proven offer.
You generate a minimum of £250,000 annual revenue.
You can demonstrate at least 6 months of runway.
Get up and running by yourself within minutes
With re:cap you don't just get funding. You also see your cash flow and funding options clearly, so you can plan ahead.
Whether it’s a payback horizon over multiple years, customisable grace periods, or long-term usage: our funding adapts to your current business and adjusts if your plans change over time.
No personal guarantee
Personal guarantee and collateral required
Flexible; pay only for what you draw
Fixed amount, fixed schedule
Decision in about a week
Weeks to months
Limit grows with your revenue
Re-apply for every increase
Bank + accounting data, no business plan
Extensive paperwork
Didn’t find an answer? Talk to us.
Traditional venture debt requires:
✗ 2-10% equity dilution through warrants
✗ Recent VC backing (usually Series A or later)
✗ 3-6 month approval process
✗ Restrictive financial covenants
✗ Minimum £2M-5M deal sizes
✗ Fixed repayment schedules
re:cap offers:
✓ 0% equity dilution - no warrants, ever
✓ Works with or without VC backing
✓ Funding in 2-6 weeks after connecting data
✓ Flexible terms you can adjust
✓ Deal sizes from £50K to £3M
✓ Plus Capital AI for financial intelligence
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